Resolving Employee Injury Claims

There is an expectation that a worksite will be free from safety and health hazards, but unfortunately, accidents happen. Because of the company liability surrounding workplace accidents, workers compensation policies were mandated by state governments across the country. This insurance coverage offers wage replacement and medical benefits to employees who were injured, contracted occupational disease, or killed while on the job. However, U.S Risk warns that not all company employees may be covered under a workers comp plan, as contract labor or ineligible employees are excluded from coverage.

Coverage Alternatives

For those who aren’t eligible for workers compensation benefits, a company might provide occupational insurance. Because of the company’s operations and exposure, they may not need a comprehensive plan and can establish more specific deductibles, limits, and disability coverage for their needs. Just as a workers comp plan would do, an occupational policy will provide funds for death benefits, medical expenses, or lost wages. However, it does not provide much by the way of legal funds.

Areas of Concern

When considering what insurance to carry, take into account the most common areas of workplace injury.

Falls, trips, and slips
Overexertion
Being struck by an object
Electrocution
Machinery accidents
Workplace violence
Transportation incidents
Unintentional overdoses

Choose your insurance plan carefully, as the financial cost is only the first concern. Plan on having the best protection against potential lawsuits and employee claims.

Everything Local Agencies Have to Offer

Whether you are moving into Albuquerque or expanding your business, you need insurance policies that won’t let you down. There are dozens of agencies and brokers to choose from in Albuquerque which can make finalizing your coverage difficult. At first glance, you may want to go with the companies with national recognition that boast offices all around the country. However, there is nothing that a large agency offers that you won’t find at a local company. Here are the types of insurance Albuquerque agents and brokers can help you with.

Commercial Lines

Local agencies are just as capable of handling large and small business as national teams. They are prepared to build packages that include the standard general liability and property coverage as well as unique lines like professional liability, cyber liability and workers’ compensation. You may even receive help with risk management and bonds. These teams are also well-versed in the world of employee benefits.

Personal Protection

These same agencies won’t leave individuals and their families adrift either. They have the skills to help anyone at any stage of their life with auto, homeowners and personal umbrella lines. You may even find you can insure other vehicles like ATV’s and snowmobiles.

The lines of insurance Albuquerque residents and business owners need are offered in the many local agencies in the area. Call one of them today to learn more about what makes them great!

Comprehensive Coverage for Staffing Agencies

Comprehensive Coverage for Staffing Agencies

Some businesses rely on temporary staffing agencies when they are short on staff during holiday seasons or when work is particularly heavy. However, providing staffing services means you face legal risks, which is why temporary staffing insurance is so important.

The Coverage You Need

Every business needs some kind of insurance, but staffing agencies face unique risks. Oftentimes, these firms can find themselves in the crosshairs of both worker and company squabbles. This can escalate from small debates to legal battles, but the right kind of coverage can protect your staffing business and help in the event of a lawsuit by providing the following types of coverage:

Property insurance

Auto insurance

Professional liability

General liability

Workers’ compensation

Managing the relationship between workers and companies can be stressful and cause legal difficulties, which is why temporary staffing insurance is so valuable to your business. Being covered means you can prepare for the worst case scenario while providing your services to companies who need it most and mitigate risks at the same time.

Keeping Your Company Safe

Your business provides dependable staffing solutions to companies that need to fill in an employee shortage. Temporary staffing insurance can protect your business when disputes between workers and companies arise, so you can focus on providing your services and not on a legal battle.